Page 10 - Jupiter Ocean Mile - August '23

Page 10, Jupiter Ocean Mile
Financial Focus ®

What Does It Cost Not To To be specific, what is it worth … On the other hand, permanent insurance, such as whole life

Have Life Insurance? … to know your family could stay in your home if or universal life, is usually considerably more expensive
something happened to you?
than term insurance. This is because permanent insurance
… to know your children could continue their education premiums, in addition to providing a death benefit, help build
By Sally Sima Stahl plans? cash value, which you can typically access through loans or
It’s probably not on your … to know your debts could be paid without burdening withdrawals, giving you additional flexibility should your
calendar, but September is your family? financial needs change over time. In choosing between term
Life Insurance Awareness Clearly, if you were to assign these benefits a “price tag,” and permanent insurance, you’ll want to evaluate several
Month. And that means it’s it would be pretty high. issues, such as how long you think you’ll need coverage and
a good time to become more And that’s the value of owning sufficient life insurance. how much you can afford to pay in premiums.
aware of the benefits of So, let’s return to the issue of people putting off buying Finding out about the benefits, costs and types of life
having life insurance – and insurance because they don’t know how much they need, or insurance can help you make informed choices to help
the dangers of not having it. what type they should have: protect your family for years to come – so don’t delay
Unfortunately, confusion • How much is enough? You might hear that you need learning what you need to know.
about some of the basic life insurance equal to about seven to 10 times your pretax This article was written by Edward Jones for use by
elements of owning life annual salary. That’s not a bad “ballpark” figure, but not your local Edward Jones Financial Advisor, Edward Jones,
insurance may be keeping people from getting the protection everyone is playing in the same ballpark. To get a true Member SIPC.
they need. More than half of uninsured Americans say they sense of how much of a death benefit you require from your Edward Jones is a licensed insurance producer in
have put off purchasing coverage because they don’t know life insurance, you’ll need to consider a variety of factors, all states and Washington, D.C., through Edward D.
what to buy or how much they need, according to Life possibly including your current income, spouse’s income, Jones & Co., L.P., and in California, New Mexico and
Happens and LIMRA, two nonprofit organizations that the size of your mortgage (in addition to other liabilities), Massachusetts through Edward Jones Insurance Agency
provide research and education about life insurance. number of children, educational expenses and final expenses of California, L.L.C.; Edward Jones Insurance Agency of
Yet, while this confusion may be understandable, a delay for funeral arrangements. New Mexico, L.L.C.; and Edward Jones Insurance Agency
in acquiring appropriate insurance can be costly in more ways • What type? You can essentially choose between two of Massachusetts, L.L.C.
than one. From a strict dollars-and-cents perspective, it’s basic types of life insurance: term and permanent. As its name Edward Jones, its employees and financial advisors
generally much more affordable to buy life insurance when suggests, term insurance is designed to provide coverage cannot provide tax advice. You should consult your qualified
you’re younger. But there are potentially much greater costs for a designated period, such as 10 or 20 years. Generally tax advisor regarding your situation.
involved in not having insurance when it’s needed — and speaking, term insurance is quite affordable for most Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
these costs are personal. people, especially when they buy policies as young adults. 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Identify Dyslexia Early
Tasmania’s Gulag Peninsula from page 9

In 1833, Rev. John Manton selected Opossum By Jim Forgan, Ph.D., Our thorough testing confirmed this mom’s intuition and
Island as a burial place for the decreased of Port School Psychologist provided her with the paperwork needed to obtain school help
Arthur, changing the name to Isle of the Dead. Some Dyslexia can be through an Individualized Education Plan (IEP) as well as apply
1,000 burials took place here before the close of the identified in a child who for and receive the Florida Family Empowerment Scholarship.
settlement in 1877. Convicts and ex-convict paupers is at least halfway through The scholarship money helped mom pay for one-to-one private
were buried in unmarked graves in the lower part of kindergarten and age 5 1/2 tutoring using the gold standard Orton-Gillingham multisensory
the island. Graves of free people were on the higher or older. There are always reading instruction. This approach has decades of research
ground, marked by elaborate headstones cut by early warning signs like backing its effectiveness in helping people with dyslexia become
convict stonemasons. those in Chris that point to strong and proficient readers.
reading difficulty. Once your child is officially diagnosed with dyslexia there
Chris’ mom explained it are five ingredients for helping your child overcome dyslexia.
this way. In Pre-K Chris had You must have the right curriculum, use it at least twice a week
difficulty identifying letters and the sounds they made as well one-to-one, keep at it for over a year, work with a trained reading
as rhyming. In kindergarten she still had trouble rhyming. She specialist, and keep your child engaged and incentivized. We’ve
had trouble sounding out words when reading. Her reading seen this recipe work for children time and time again.
was labored, not quick or fluent. She guessed words by their I co-authored the book Parent’s Quick Start Guide to Dyslexia
first letter. She mixed up letter sound sequences in a word or which provides a quick, but deep dive into what to immediately
forgot the same word she just read on the previous page again do when your child is diagnosed with dyslexia. When it comes
and again. She seemed to learn best memorizing flash cards. to helping your young child, time is too precious to squander.
She can somewhat read but it has taken way more amounts Call to discuss your child as we test for autism, dyslexia,
of flash cards and assistance than should be required. I think dysgraphia, ADHD, depression, and anxiety. Visit JimForgan.
she has dyslexia. com or call (561) 625-4125.

A cell in the Separate Prison

Located in the colonial town of Richmond at the top
of the peninsula is St. John’s Church, the oldest Roman
Catholic Church in Australia; the sandstone bridge and
the town “gaol” (jail) are likewise ranked as the oldest
in Australia. And, if you’re looking for local wildlife,
the Bonorong Animal Park lets you get up close and
personal … even with the famed Tasmanian Devil.
I often ask those who travel with us in our group
tours to Australia what they considered the highlight
of their trip … not surprisingly, the No. 1 answer has
been “Port Arthur.” Need I say more?
The late Don Kiselewski wrote from his personal
experiences, having traveled in 122 countries and
cruised the oceans, seas and rivers of the world. Palm
Beach Gardens Travel Leaders, his family owned and
operated agency, is located at Mirasol Town Square,
11360 North Jog Road, Building A, Suite 102-6, Palm
Beach Gardens. The agency has been serving the travel
needs of the South Florida area for over a quarter of a
century. Contact them at (561) 694-9696 or Aussie@
PBGTravel.com.

Photos by Don Kiselewski